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Asbestos related claims set to top £11 Billion by 2050

Published: 01/02/10

No-one could have predicted that working with a material as useful as asbestos could have resulted in the heartache and pain we see today.

Asbestos is fire retardant and has excellent insulating properties. It is a naturally occurring compound, and was widely used in manufacturing and industry many years ago. Unfortunately, the properties that made the mineral so useful also made it deadly if inhaled. The fibres could lodge in the lungs and result – sometimes years later – in asbestosis (inflammation of the lungs) and mesothelioma (cancer of the mesothelium), to name but two.

People who worked with asbestos in the past are now being diagnosed with related illnesses – and insurance companies are feeling the brunt. Experts have stated that claims for asbestosis will top £11 billion by 2050. What this means is that companies who have, in the past, used asbestos can expect more and more claims as employees are diagnosed with asbestosis and mesothelioma. This figure does not take into account employees suffering from pleural plaques (growths on the pleura that usually do not in themselves cause any damage, or lead to cancer, but can affect lung function) as these are currently not compensatable in the UK.

Employers liability insurance can often cover illnesses such as those contracted as a result of working with asbestos, and a decent policy will ensure that any illnesses an employee may develop as a result of working with a particular employer will be covered. It is essential an employer takes out an insurance policy that will cover their business liability in the event of any claims made by employees, who believe they have an illness or condition as a result of working for that company. This will protect both the company and employees both now, and in the future; claims by employees can send an uninsured company broke.